How Lara Helps Colorado Residents at No Cost
Lara is licensed in Colorado and works by phone and video from her Los Angeles office, so Denver or Durango makes no difference to the appointment. Agent compensation comes from carriers, so pricing is identical to buying direct. She compares plans across several insurance companies, checks your doctors and prescriptions, handles enrollment, and remains reachable afterward.
Medicare Basics in Colorado
More than one million Coloradans are enrolled in Medicare, about 1.06 million per CMS data reported by USAFacts. Roughly half of Colorado beneficiaries choose Medicare Advantage. More than 100 Advantage plans were offered statewide for 2026, though the lineup shrank from the prior year. That shrinkage is the important part: when carriers pull plans or trim counties, members are moved, benefits change, and an annual review stops being optional. Free counseling is also available through Colorado SHIP, housed in the Colorado Division of Insurance. Lara complements it with plan specific enrollment help. The 2026 numbers for Colorado, from the official CMS Landscape file: 71 distinct Medicare Advantage plans are offered in at least one Colorado county, 54 of them with a $0 monthly premium where offered, plus 36 Special Needs Plans. The in network out of pocket maximums on those plans run from $2,900 to $9,250, with a median of $5,400. What is actually available depends on your county, which is exactly what we check at your address (Goulson analysis of CMS CY2026 Landscape data).
Medicare Open Enrollment Runs October 15 to December 7, 2026
Medicare open enrollment in Colorado runs from October 15 to December 7, 2026, the same dates as the rest of the country. During this window, known as the Annual Enrollment Period, you can switch Medicare Advantage plans, change Part D drug plans, or move between Original Medicare and Medicare Advantage. Any change you make takes effect January 1, 2027. This year the review matters more than usual. Carriers trimmed Colorado plan counts going into 2026, so a plan that fit last year may have changed benefits, networks, or drug coverage for 2027. Book a review call now rather than waiting for the December deadline. Lara Goulson is licensed in Colorado, compares plans from multiple carriers, checks your doctors and prescriptions, and works by phone or video at no cost to you. Call or text (818) 472-5484 for a free Colorado Medicare review.
Colorado Medigap Rules You Should Know
Colorado has no birthday rule, so switching Medigap plans later usually requires medical underwriting. That makes the first choice matter, and it makes the six month window at the start of Part B genuinely valuable. Colorado does require Medigap insurers to offer their plans to beneficiaries under 65, with a six month guaranteed issue window that starts at Part B enrollment. Under 65 premiums can be higher, but the state regulates how much, and a second open enrollment window arrives at age 65.
Serving Denver, Colorado Springs, Aurora, and All of Colorado
Denver has the widest plan selection in the state and the most frequent network changes. Colorado Springs, in El Paso County, has its own carrier lineup and a large population of military retirees coordinating TRICARE for Life with Medicare. Aurora clients often use large hospital systems whose contracts differ plan by plan. Plan availability differs by county, so a Denver County comparison is not the same as one in El Paso or Arapahoe County. Phone and video service reaches every Colorado zip code, including mountain towns with limited options.
Why Use an Independent Agent Instead of Calling Carriers
One carrier shows only its own plans. An independent agent compares across carriers, checks your doctors and drug list, and stays your contact after enrollment. Remember that Medicare does not cover most long term care, which is a separate and often larger planning question.
Colorado Medicare Questions? Talk to a Licensed Agent
Medicare is easier when someone reads the fine print with you. Lara Goulson is licensed in Colorado and ten other states, compares plans from multiple carriers, and stays available after you enroll, when the questions about claims, drug tiers, and provider changes actually show up. There is no fee for any of it. Carriers pay agent compensation, so a Colorado resident pays exactly the same premium whether they enroll through Lara, through a call center, or on their own.
Call or text (818) 472-5484 for a free Colorado Medicare review. No cost, no obligation, and your premium is the same either way.
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